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Unified Banking Solution

Improve Lending experience with transformed Banking

FinBraine transforms lending solutions for banks through fully managed, advanced, cloud-based, intelligent credit scoring mechanism. Our superior efficiency and automation can help you to capture a bigger market share with flexible credit products. Our lending solution can modify your loan portfolio to maximize repayments of loans, meet your customer repayment needs and mitigate risks

Improve speed and efficiency with digital banking solutions by automating lending

Credit decisioning

01.

02.

Digitized identity verification

03.

Operational efficiency

Loan origination speed

04.

Data collection

05.

We know you face several challenges with conventional lending solutions

Does your lending solution suffer from below challenges?

Manual verification: Hours wasted due to manual verification process, legacy and human mistakes
Loans lost: Loans lost due to conventional scoring technique

Lean resources: Due to short staffing, lack of capital and no automated processes

Choose what you want us to help your bank with

01.

End-to-end lending

  • Covers end-to-end functions – loan origination, underwriting, loan servicing, collection and reporting
  • Automated workflows
  • Fast and easy deployment of solution
  • Fully managed lending solution, which is automatically updated
  • Adheres to latest compliance requirements
  • Can be accessed anywhere, anytime, from any device
  • Multiple backups ensuring platform is always available for business
02.

Platform configuration

  • Robust and flexible platform supporting wide variety of needs
  • Configuration is driven by experts
  • Highly trained staff to understand, communicate and manage the unique requirements of the bank
  • Timely deployments
03.

AI-based Automation

  • Automation to speed the process, capture more loans and reduce operational costs
  • End-to-end automation including loan origination, credit review, funds transfer, payment processing, underwriting, collections, reporting
  • Choice to choose only what is needed
04.

Intelligent Credit Scoring

  • The AI-based credit scoring to determine the creditworthiness of borrowers at scale and speed
  • Integration with third-party credit scoring to make well-informed credit decisions.
  • Ensures more loans are processed, without violating credit risk parameters
  • Leveraging deep neural networks for fine-tuning algorithms
  • Integrated with traditional credit bureaus
05.

Analytics and Reporting

  • Customizable access to interactive dashboards with accurate information and smart tools to make critical decision
  • Comprehensive reports
  • Easy export of data to a range of formats
06.

Digital Onboarding

  • Makes lending easy, cost effective and simple
  • Digitized identity verification
  • Liveness validation
  • Automated onboarding process ensures seamless customer transition from approvals to credit
  • Multi-channel communication options for borrowers
07.

Cybersecurity and Fraud Prevention

  • Prevents disasters before they happen
  • GDPR complaint platform, certified for ISO 27001 and ISO 9001
  • Leverages architecture that conforms to guidelines issued by NIST and OWASP
  • Fraud prevention includes identity verification and additional protection techniques
08.

Debt Collection

  • Includes a bad-debt trigger for early warnings
  • Automated system to red flag the account, calculate penalty, send payment reminder, adjust credit score, recalculate pricing, credit outstanding payments etc., all on auto-pilot
  • Fully automated platform compatible with large-scale organizations

Our intuitivelending portal for banks

Offer cutting-edge customer experience to borrowers and lenders through this portal that offers separate workplaces for lenders and borrowers, providing them smooth lending experience.

Secure seamless integration of borrower portal with lending solution

Editable loan application

Payments, loans and communication handled in a single interface

Streamlined end-to-end lending